Arkansas State University Benefits Program
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1 2018 BENEFITS ENROLLMENT Arkansas State University Benefits Program This publication contains important information about your employee benefits program. Please read thoroughly.
2 Table of Contents Welcome...2 Medical Summary...3 Cigna Open Access Plus...4 Wellness Benefits...5 Prescription Drug Plan...6 BlueCross BlueShield of Arkansas Dental Insurance...7 VSP Vision Insurance...8 Flexible Spending Accounts...9 UNUM Life Insurance...10 UNUM Long-Term Disability...11 UNUM Short-Term Disability...12 Cancer Insurance Retirement...14 Welcome As an Arkansas State University System employee, you play a tremendous part in our university s ultimate success. That s why our goal is to ensure that you are offered an attractive and competitive benefits program. We hope that, in addition to your compensation package, the selection of benefits offered through our program will help guarantee the financial, emotional, and physical security your family needs. It is extremely important to our university to keep our employees engaged, productive, and committed to reaching shared goals and objectives. We also understand that being an employee is only part of your story; you have a life outside of your job here. That s why our benefits program is designed to help you achieve maximum potential at work and at home. This benefits guide is an important way we communicate with you regarding our benefits program. Additionally, we hope this guide helps to educate and empower you as you elect the coverage and support that you and your family desire. Important Information Plan elections are binding for the remainder of the policy year unless you experience a qualifying life event. An IRS qualifying event consists of marriage, divorce, death or legal separation, change in work status, or termination or commencement of your spouse s coverage. If you experience a qualifying event, you will have 31 days from the date of the event to notify your human resources office and make adjustments to your elections Benefits Enrollment
3 Medical Summary Schedule of Cigna for January 1 to December 31, 2018, Plan Year Plan Components In-network Out-of-network Deductible $850 ($1,700 family aggregate) $1,700 ($3,400 family aggregate) Coinsurance 20% 30% Medical out-of-pocket maximum In-network includes deductible, coinsurance, and medical copays Out-of-network includes deductible and coinsurance only Providers $3,000 per individual $6,000 per family $6,000 per individual $12,000 per family Primary care provider office visit* $35 copay Covered 70% after deductible Mental health provider outpatient office visit* $35 copay Covered 70% after deductible Special office visit* $50 copay Covered 70% after deductible Preventive Care Annual wellness exam $0 copay Not covered Annual GYN exam $0 copay Not covered Well child exams + child immunization $0 copay $0 copay through Age 18 Adult immunizations $0 copay Not covered Facilities Hospital services Covered 80% after deductible Covered 70% after deductible Urgent care center $35 copay Covered 70% after deductible Emergency room Outpatient services (e.g., diagnostic services, medical procedures, surgery, advanced imaging) Other Services Pregnancy Prenatal care (outpatient) Delivery Covered 80% after deductible, plus $200 copay Covered 80% after deductible Covered 100% no deductible Covered 80% after deductible Covered 80% after deductible, plus $200 copay Covered 70% after deductible Covered 70% after deductible Covered 70% after deductible Mental health/substance abuse (inpatient) Covered 80% after deductible Covered 70% after deductible Outpatient rehabilitation $35 copay Covered 70% after deductible Chiropractic services Calender year limit of 20 visits Prescription Drugs** Pharmacy out-of-pocket maximum Retail pharmacy (30-day supply cost) $35 copay Covered 70% after deductible $1,500 per individual $3,000 per family Generic $12 copay Preferred brand $50 copay Non-preferred brand $80 copay 90 Now*** Generic $12 copay Preferred brand $100 Non-preferred brand $160 N/A Available in-network only Available in-network only * Copay covers physician charge. Other charges, including diagnostic services, medical procedures, etc, subject to deductible and coinsurance. ** Some prescriptions require pre-authorization. *** Some prescriptions are available in a 90-day supply at select pharmacies and mail order. Please refer to the ASU summary plan description (SPD) for plan coverage, limitations, and restrictions. Arkansas State University 3
4 Cigna Open Access Plus How to Get the Most Out of Your Medical Network You receive the greatest amount of benefits and the lowest cost by utilizing network providers. A list of providers can be found on Cigna.com or mycigna.com. When you visit an in-network primary care physician, generally a family practice or internal medicine physician, you will pay a $35 copay for the office visit. When you utilize an innetwork specialist, you will pay a $50 copay for the office visit. When you utilize in-network services, you are subject to a $850 annual deductible and then the plan will pay 80%. When you utilize any out-ofnetwork physician, you are subject to a separate $1,700 annual deductible, and then the plan will pay 70% of reasonable and customary expenses. There are also many hospitals in the Cigna Open Access Plus (OAP) network. Please visit the Cigna website for a list of network hospitals and other providers at Cigna.com or mycigna.com. Be sure to select the OAP network. If you elect to seek care outside of the Cigna OAP network, your coverage will be considered out-of-network, and you will be subject to a separate deductible and 30% coinsurance. In unique cases when services are not available in-network, out-ofnetwork services may be considered as in-network. How to Locate a Provider (if you are not a current Cigna member) Go to Cigna.com Select Find a Doctor (top right of the screen) Select a Directory (middle of the page that reads For Plans Offered through Work or School ) Select a Doctor or Hospital, Pharmacy, or Facility Search location enter your ZIP Code or city/state Select a plan and choose Medical Scroll down under OAP; click on the radio button that reads Open Access Plus, OA plus, Choice fund, OA Plus Enter the provider name and/or do general search by entering a provider type (such as primary care, heart specialist, etc.) You may also click on the A Z button; a screen will pop up and allow you to make your selection for Primary Care Physicians or Specialties A Z If you are a current member, log on to mycigna.com to find a provider Benefits Enrollment
5 Wellness Benefits Routine Adult Care Routine physical exam $0 copayment when you see an in-network primary care physician; the plan covers one physical exam per calendar year PSA (available for males age 40 and over) $0 copayment when you see an in-network physician, limited to one per calendar year Routine gynecological exam $0 copayment when you see an in-network physician. Includes office visit, pap smear, urinalysis, hematocrit or hemoglobin, and hemoccult stool culture; the plan covers one routine gynecological exam per year Mammography (screening) In-network reimbursement rate 100%, no deductible; limited to one per calendar year Limited to the following frequency schedule: Age 35 through 39, one exam; age 40 and older, one exam every calendar year; members with a family history may be eligible for annual exams before age 40 Adult immunizations $0 copayment Stay on top of your health and regularly scheduled preventive care mammograms, routine physicals, and well-childcare. Routine Child Coverage In-network provider $0 copayment available for children from birth through age 6 Routine child immunizations $0 copayment available for children from birth through age 18 Tobacco Cessation Programs Tobacco cessation assistance is covered under the plan. Overthe-counter drugs and prescription drugs are covered under the prescription drug card as long as the member has a prescription written by a valid provider. Arkansas State University 5
6 Contact Information mycigna.com Prescription Drug Plan The medical plan includes a pharmacy benefit with copays of $12 for generic prescriptions, $50 for preferred brand names, and $80 for non-preferred brand names. If a generic is available, it will automatically be selected unless the employee elects to pay the difference between the cost of the brand name and the generic, plus the copay. If a contraceptive is available as a generic, the brand name will not be covered under the plan, and not all contraceptives will be available free of charge. Your Cigna insurance card is also your pharmacy card. Use the Prescription Drug Price Quote Tool View medication cost based on your pharmacy plan, see if there are lower cost alternatives, and compare prices between Cigna home delivery pharmacy and retail pharmacies. Get Help with Specialty Medications Take advantage of TheraCare. Your personalized team will help you better understand your chronic condition (like multiple sclerosis, hepatitis C, or hemophilia) and medication, including common side effects and how to follow your doctor s treatment instructions correctly. Use mycigna.com for 24/7/365 Access See your pharmacy claim history Read your benefit details See medication prices based on your plan Manage your Cigna Home Delivery Pharmacy orders Ask a pharmacist a question Benefits Enrollment
7 BlueCross BlueShield of Arkansas Dental Insurance Maintaining healthy teeth and gums and seeking professional treatment when dental problems arise is important to your overall health. Arkansas State University System offers two dental plan options, a high option and a low option. Both the high option and the low option cover diagnostic and preventive services at 100%. The high option covers 80% of basic services, while the low plan covers 50% of basic services. Both plans cover 50% of major services. The high option also covers orthodontia for dependents 18 and under. The high option costs more than the low option. Plan High Option Low Option Deductible $50 per member $50 per member Coinsurance Diagnostic and preventive services Basic restorative services Major restorative services Covered at 100%, no deductible Covered at 80% after deductible Covered at 50% after deductible Covered at 100%, no deductible Covered at 50% after deductible Covered at 50% after deductible Annual maximum $1,500 per member $1,500 per member Orthodontia services (eligible dependent children under age 19) Covered 50% after deductible $1,500 lifetime maximum No coverage Maximum rollover benefit $500 $500 Please refer to the ASU summary plan description (SPD) for plan coverage, limitations, and restrictions. Arkansas State University 7
8 VSP Vision Insurance Keep Your Eyes Healthy With Arkansas State University and VSP Vision Care Your eyes deserve the best care to keep them healthy year-after-year. Find an eyecare provider who s right for you. To find a VSP doctor or retail chain affiliate, visit vsp.com and choose the VSP Choice option or call Benefit Copay Frequency Well vision exam $10 per member Every calendar year Prescription Glasses $150 allowance for wide selection of frames $10 Per member Every other year Single vision, lined bifocal, and line trifocal lenses $10 Per member Every calendar year Polycarbonate lenses for dependent children $10 Per member Every calendar year Contacts (instead of glasses) $150 allowance for contacts, copay does not apply Contact lens exam (fitting and evaluation) $60 Every calendar year Every calendar year Covered Lens Enhancements now included UV coating, tinted lenses, and color coating. Please refer to the ASU summary plan description (SPD) for plan coverage, limitations, and restrictions. Choice of Providers You may choose any eyecare provider your local VSP doctor, a retail chain affiliate, or any other provider. Once your benefit is effective, visit vsp.com for your complete benefit description and choose the VSP Choice option, or view the plan summary located on the employee portal Benefits Enrollment
9 Flexible Spending Accounts Healthcare Reimbursement The healthcare FSA permits you to pay for unreimbursed healthcare expenses for you and your family on a pre-tax basis. Each year you set aside an amount of money through fixed payroll deductions to help pay for expenses, such as deductibles, coinsurance, or healthcare services not covered under your healthcare plan. Under the pre-tax healthcare reimbursement benefit, you may choose to contribute any amount up to $2,650 annually. As you incur eligible expenses, simply swipe your TASC card. The card automatically pays for and substantiates most eligible expenses at the point of purchase. If you do not use the TASC card to pay for an eligible expense, simply submit a request for reimbursement via the MyTASC Mobile App, online request for reimbursement form in MyTASC, text message, fax, or mail. Your reimbursement is deposited in your MyCash account. You may access your MyCash funds in the following three ways: 1. Swipe your TASC card at any merchant that accepts major credit cards; 2. Withdraw at an ATM using your TASC card (with PIN); 3. Transfer to a personal bank account from MyTASC. Other expenses that can be reimbursed through this account include medical plan deductibles, eye exams, contact lenses, hearing exams, hearing aids, medications, and more. Dependent Daycare Reimbursement The dependent daycare FSA permits you to pay for certain dependent child care and expenses for certain dependents who are incapable of selfcare on a pre-tax basis. Like the healthcare FSA, you set aside an amount of money through fixed payroll deductions to help pay for expenses, such as babysitters, child care centers, and specialized care for your parents living with you, or a spouse who cannot care for himself or herself. Under the dependent daycare reimbursement benefit, you may elect to contribute up to $5,000 per year. (Note: if your spouse also participates in a pre-tax day care account, your combined contribution total must not exceed $5,000.) Contributions are automatically deducted from your regular paychecks. After you pay your day care provider, you submit proof of your expense and a reimbursement check is sent to you. It s that easy! Arkansas State University offers flexible spending account arrangements that provide an important tax advantage. A flexible spending account (FSA) is an employer-sponsored plan that lets you deduct dollars from your paycheck and put them into a special account that s protected from taxes. The monies in these accounts can be used to pay for qualified expenses incurred for healthcare or day care. The IRS requires that you forfeit any funds left in your account after the end of the plan year. You will have until March 15 of the following year to spend your healthcare FSA fund, so you ll want to estimate your annual contribution needs carefully. Arkansas State University 9
10 UNUM Life Insurance Group Life and AD&D Arkansas State University provides basic life insurance for benefit-eligible employees and their families. Basic life insurance for employees is equal to 1.5 times your annual salary up to a maximum benefit of $50,000. Dependent Coverage Benefit Basic life spouse $2,000* Basic life children (live birth to six months) $1,000 Basic life children (six months to 19 or 25 if full-time student $2,000 * Please note that an employee cannot be covered as a spouse or dependent on dependent or supplemental spouse or supplemental child life. Additional Term Life Insurance You also have the opportunity to purchase additional term life insurance through Unum as a new hire or during open enrollment without evidence of insurability. Open enrollment increases are limited to one increment without evidence of insurability. However, you may apply for additional coverage by submitting evidence of insurability forms. You may purchase term life insurance on yourself in increments of $25,000. Premium is based on age and increases as you get older. You may purchase additional term life on your family if you have purchased additional life insurance on yourself. Premiums on spouses are based on your age and will increase as you get older. For spouse coverage over $25,000 or for an increase of more than $5,000 during open enrollment, you must complete an EOI form. Optional life coverage amounts reduce at age 65, 70, 75, 80, 85, and 90. Optional Accidental Death and Dismemberment (AD&D) Optional accidental death and dismemberment insurance is also available for you and your family. You may purchase coverage in increments of $25, Benefits Enrollment
11 UNUM Long-Term Disability Long-Term Disability (LTD) Arkansas State University provides long-term disability insurance for benefits eligible employees. ASU pays 100% of the premium. The plan is administered by UNUM. Long-term disability provides income if you become disabled and are no longer eligible to work You are covered under the long-term disability plan on the first of the month following 90 days of employment Benefit is 60% of salary up to a maximum of $6,000 per month There is a 180-day elimination period before you are eligible for benefits if you become disabled Two-year, pre-existing condition clause For more detailed information, please review the summary plan document at asusystem.edu. Arkansas State University 11
12 UNUM Short-Term Disability Short-Term Disability Coverage ASU offers employees the ability to purchase short-term disability insurance. Short-term disability provides income if you are unable to work due to a qualified illness or accident. Plan Information Employees pay 100% of the premium The plan is administered by UNUM Available Plans Plan 1 begins payment on the 8th day off work and pays up to 26 weeks Plan 2 begins payment on the 15th day off work and pays up to 26 weeks You must meet plan requirements to qualify for disability payments; pre-existing condition period of one year must be met in order to be eligible for benefits Rates Rates are based on age and the amount of disability insurance you purchase. You may purchase insurance to cover up to 66 2/3% of your weekly salary, up to $600. Enrollment You may enroll during your first 30 days of employment, or you may apply for coverage during annual open enrollment Benefits Enrollment
13 Cancer Insurance Arkansas State University offers employees the opportunity to purchase cancer insurance through USAble life. Employees may enroll within 31 days of hire, or during open enrollment. Employees may purchase individual plans as well as family plans. Evidence of insurability is required. USAble life offers three levels of cancer plans that pay cash to employees diagnosed with cancer. The plans cover hospital confinements, radiation, chemotherapy, and surgery. Below are some highlights for each plan. Please review the USAble brochure and summary plan description for more information. Inpatient hospital confinement Inpatient or outpatient radiation, chemotherapy and blood, and plasma Inpatient or outpatient surgery and anesthesia Plan I Plan II Plan III Pays $100 per day for first 60 days, $200 for each subsequent day $5,000 maximum per calendar year $1,000 maximum per operation Pays $250 per day for first 60 days, $500 for each subsequent day $10,000 maximum per calendar year $2,000 maximum per operation Pays $300 per day for first 60 days, $600 for each subsequent day $15,000 maximum per calendar year $4,000 maximum per operation Arkansas State University 13
14 Retirement Retirement Plan Options ASU offers a 403(b) retirement plan to all benefit eligible employees. All benefit eligible employees must contribute to the plan as a condition of employment. In additional all employees, except student employees, may make voluntary pre-tax contributions to a 403(b) and/or 457(b) plan. Retirement Plan Information for Benefit Eligible Employees* ASU contributes an amount equal to 10% of your salary, and you contribute an amount equal to 6% of your salary Contributions begin on your first paycheck, or retroactive if your benefit enrollment is not completed before your first paycheck is issued Choice of two vendors TIAA and VALIC (at ASU Mid-South TIAA and Voya) Employer contributions vest after one year of employment Supplemental Plan Information for All Employees (except students) Employees may make voluntary pre-tax contributions to a 403(b) or a 457(b) Choice of two vendors TIAA and VALIC (at ASU Mid-South TIAA and Voya) Supplemental Plan Enrollment You may enroll at any time of year, including open enrollment. Elections made during open enrollment will begin on January 1. Elections made at other times of the year will be effective on the first pay period after the elections is made. Employees may make investment elections at or * Employees hired prior to 1/1/2012 may participate in APERS or ARTRS for the primary retirement plan Benefits Enrollment
15 Notes Arkansas State University 15
16 This Benefit Enrollment Guide is only intended to highlight some of the major benefit provisions of the Company plan and should not be relied upon as a complete detailed representation of the plan. Please refer to the plan s Summary Plan Descriptions for further detail. Should this guide differ from the Summary Plan Descriptions, the Summary Plan Descriptions prevail Lockton, Inc. All rights reserved. [Rev 11/13/17] EB\ARKST01\EE Comm\Enroll Guide\2018\18BE pdf
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